For many people the bounce back loans was a temporary fix to a long term solution. It allowed people who had no government support to be able to access funds to put food on the table. Although only 25% of their income, it was still a small injection of cash to help keep them alive. For the majority of people they took out the full amount they were entitled to and now with a second lockdown, the option to top up those loans were welcomed by a large amount of people. Unfortunately there are too many people who now are unable to take out a top up due to taking out the full amount in the first place therefore being expected to survive on 25% of their income for coming up to a year. 

This is not realistic. How is anyone meant to survive on 25% of their total income. The bounce back loans are meant to allow people to bring their businesses back to the position they were in before the pandemic but for a lot of people, they have had to choose between feeding their family or keeping their business alive. If they have had to let their business go, how are they expected to pay their loans back. Not only do those people with a loan have to pay the loan back but they also have to pay the taxes to support all those people being given free money by the government. 

The fact that now their is a second lockdown and those people are not able to access any more money is not acceptable. The amount they are allowed to take should be increased to 50%, the option to refinance the loan, pay off the first one and take out a higher amount, or to adjust their income especially those who had an expected income should be allowed. If you can explain your reasons for adjusting your income, that should be permitted. 
this simply isn't good enough by the government and they have failed many people and businesses once again and this needs to urgently get looked at.